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A warning by Mark Carney, Governor of the Bank of England in September, that a disruptive no-deal Brexit could cut 35 per cent off house prices added to existing market jitters. Mr Carney’s warning represented an extreme scenario, and the ultimate effects of Brexit on house prices and mortgages will depend on the position at […]
Buying a home is a big step, and it can be discouraging if you are ready to take it, but there are things standing in your way. You want purchasing a home to be a positive experience so it is important to make sure that you are ready for it when the time comes. Here […]
There is still plenty of uncertainty over the exact nature of Brexit and this means there is also uncertainty within the insurance market. In the current period of uncertainty, it is hard to say whether Brexit will negatively impact the UK’s insurance sector. However, based on the feedback from some of the biggest insurers in […]
Hamptons International Research estimates there will be six million households renting by 2025. We have examined some of the changes in taxation on rental income previously in our blog. With the continued growth in demand for rented property supply needs to keep pace. So, what does the future look like for the buy-to-let landlord? The […]
Buildings and contents insurance is something we seldom think about until we need it. Buildings and contents insurance are a combined insurance that will cover or replace any damage that might occur to the house or its contents, including loss. It is essential for all mortgaged houses, and most other homeowners who do not have […]
In June 2018 the FCA (Financial Conduct Authority) had 340 regulated mortgage providers on its books. Between them they manage seven million mortgages and have over a thousand different mortgage products. Trying to negotiate that many options as a first-time buyer is going to be tricky. A mortgage advisor is a specialist with in-depth […]
Each year one million people in the UK find themselves unable to work due to a serious illness or injury (Association of British Insurers 2017). Income protection insurance is designed to give you some cover if you can’t earn an income for those reasons. If something happened to you would you be able to survive […]
Life insurance or life assurance? There is a difference. Life Insurance provides you with insurance cover for a specific period called the “term”. If you were to die whilst the policy is in force, the insurance company pays out a tax-free sum. If you survive to the end of the term, the policy is finished […]
It’s now well accepted that we should all make some provision for a pension. The question of what the best way to achieve this is remains a subject for debate. Saving into a pension fund is still the most common method of building enough money to finance your retirement but increasingly people are looking at […]
Your mortgage is most probably your biggest outgoing. If you are thinking of taking advantage of the low interest rates and re-mortgaging your home, either to benefit from cheaper repayments or to release some of the capital locked up in your house then you need to consider the costs. You can re-mortgage at any time; […]